Interest bonuses are accompanied by a variety of bells and whistles, which can overwhelm IUL policy seekers. Let us help you get a handle on this important IUL feature.
Tag: LifeTrends
Early Cash Value Riders
With over 40 life insurance products that offer cash value enhancement riders, how do you know which ones produce the highest liquidity in the early years of a policy? Learn more here.
VUL Endowment – Primary Guarantees
VUL primary guarantees can be thought of as nice additions for clients who are willing to take risk, training wheels for the less aggressive, but perhaps not substantial enough to meet the needs of conservative clients.
Large Age Gap Study
Age differences between couples can affect their decision about survivorship policies. Our study observes couples of different age gaps and reveals factors that should be considered throughout their policy-purchasing process.
Interest Rate Sensitivity
It’s hard to know what illustrated rate is reasonable for an Indexed Universal Life product. Read about a test we performed to gain one perspective on these interest sensitive products. The moral of the story? Monitoring your client’s policy is essential.
Participating Loans
What are the primary differences between the various types of participating loans currently in the market? See our analysis to learn more.
Guaranteed Cash
In the Indexed UL world, we tend to see a bright and sunny picture based on higher illustrated rates, but what would happen in the worst case scenario? See what we discovered about guaranteed cash value at retirement.